Image 8 of The Falmouth Outlook June 7, 2011

Part of The Falmouth Outlook

Results navigation

Page 8, The Falmouth Outlook, June 7, 2011
The Extension People of Pendleton County
45 David Pribble Dr. • Falmouth, Ky. 41040
Phone: 859-654-3395
The College of Agriculture is an Equal Opportunity Organization authorized to provide research, educational information and other
services only to individuals and institutions that function without regard to race, color, sex, age, disability or national origin.
Open 8 a.m.-4:30 p.m. Mon.-Fri.,
CLOSED 12-1p.m.
COOPERATIVE EXTENSION SERVICE
COOPERATIVE EXTENSION SERVICE
COOPERATIVE EXTENSION SERVICE
University of Kentucky - College of Agriculture
University of Kentucky - College of Agriculture
University of Kentucky - College of Agriculture
EXTENSION NOTES
EXTENSION NOTES
EXTENSION NOTES
Agriculture and Natural Resources
Michael Mann
Pendleton County Extension Office
4-H/Youth Development
Shelley Meyer
Pendleton County Extension Office
Family and Consumer Sciences
Kenna Knight
Pendleton County Extension Office
New enterprise for your farm
The idea of raising sheep and
goats appeals to both beginning
and experienced farmers across
Kentucky. One advantage of
small ruminants is their size.
Compared to cattle, small ruminants are good for several reasons. First, you need less land. A
typical stocking rate is about
one-half acre for each ewe or
nanny goat, compared to three
to five acres for each cow. Small
animals are easier to handle and
manage when administering
veterinary or basic health care.
And the initial investment is
much smaller than for cattle.
If you are considering sheep and
goats, start your evaluation with
a budget. Make or use an enterprise budget, similar to the onesfoundationat
http://www.ca.uky.edu/agecon/i
ndex.php?p=29. The budget
starts with an income section. A
well run enterprise should produce about two lambs or kids
per female per year. To increase
the size of the enterprise, you
will want to keep female lambs
or kids to breed. Holding on to
animals rather than selling them
will limit your income until the
enterprise is the size you want.
Prices are strong now, which
does increase start-up costs.
However, lambs and kids can
bring over $2 per pound.
Of course, cost remains an
important consideration. The
advantage of goats especially, is
that they are foragers-they eat
pasture and brush. This makes
them a good fit for many parts
of Kentucky, where some land is
not well suited to row crops.
Another consideration is fencing. Fencing may need
upgrades, because sheep and
especially goats are hard to keep
inside fences. Feed and mineral
supplements are another cost.
The most profitable sheep and
goat enterprises depend upon
pasture and use only a small
amount of feed supplement. The
price of purchased feed has gone
up dramatically, so this is an
important factor.
Marketing the product is
another issue to consider. Both
lambs and kids can be sold at
established auction markets,
with the Kentucky Department
of Agriculture graded sales
being the best. Auction sales
take minimal marketing effort
on the farmer's part-you just
take them to market on sale day.
Prices are currently quite good.
Another option to increase
income further is selling directly
to consumers, but this method
takes increased effort over auction sales.
Finally, good managers can
control potential pitfalls that
may cause major headaches for
novices. Predators such as coyotes and dogs can wreak havoc
on your flock or herd. Having
guard dogs is one of the best
ways to protect your sheep and
goats. Parasites are another
issue that requires both management and medication.
Great activity for our youth
Because of the small size and
limited needs of rabbits, owning
and showing them is perfect for
youth living in cities or suburbs
who want to experience the
rewards of raising livestock but
on a manageable scale. Rabbits
are a relatively low cost animal,
ranging from $10 to $20 for
basic breeds of pet quality to
$50 to $60 for quality show or
breeding specimens. After the
initial purchase of the animal,
new owners will have minimal
costs: an appropriate cage that
provides shelter from inclement
weather, bedding, food containers, toys to minimize boredom
and resulting bad behavior, and
adequate food.
There are many breeds of
rabbit, with significant variations among them, and choosing
one depends upon the intended
use of the animal. (Rabbits are
most commonly used as pets, or
for meat or laboratory use.)
Flemish Giants weigh in at a
hefty average of 15 pounds, but
the Netherland Dwarf is a modest 1 to 2 pounds. The Holland
Lop, a popular breed, sits in the
middle, at 4 to 5 pounds. A common belief is that the mini
breeds are more aggressive, so
ask experts for advice when
making a decision. Buying from
a reputable and knowledgeable
breeder in your area is the best
option. The breeder will ensure
that your animal has not been
exposed to any diseases and can
help you select the most appro-
Adding value to your home
priate animal for your needs.
Also, a local breeder usually can
charge a lower price than a pet
store.
Showing in 4-H is open to all
types of youth rabbit owners,
from owners who have a single
pet to small breeding operators.
In showmanship classes, the
judge asks questions, which
tests a youth's knowledge of his
specific animal and rabbits in
general. To score well, rabbits
need regular handling so they
are accustomed to the particular
demands of the show ring.
Higher scores go to rabbits that
best exemplify their breed standards, which cover specifics
ranging from body type and ear
conformation to appropriate
muscling and weight. Overall
health is also a factor.
Youth competition is tied to
the county fair season, which
runs from July to September,
with the Kentucky State Fair
falling in August. By travelling
the show circuit, youth broaden
their horizons, learn responsibility and strengthen personal connections, where they make new
acquaintances and reconnect
with friends who share the same
livestock-related hobby.
The rabbit club meets the 4th
Thursday of each month.
For more information, visit
http://www.tksrba.com/
or
http://www.arba.net/Breeds.htm
, or contact the Pendleton County Cooperative Extension Service.
Be sure to choose home
improvement projects carefully,
especially if your goal is to
increase the value of your home
to make it more appealing to
prospective buyers. First, finish
all basic maintenance before
you put money into an extra
project, such as adding a marble-tiled bathroom. If your roof
is sagging and leaking, it doesn't
matter what your new deluxe
bathroom looks like. Then, consider which projects will have
the best return-on-investment
(ROI). ROI is a percentage that
rates the cost of the improvements against how much the
improvements increase the
value of your home in the eyes
of buyers.
The average kitchen remodel
with minor repairs such as painting and repairing fixtures and
appliances is around $8,655.
The return-on-investment, as a
percentage, is 88%. This is a
low cost way to improve your
home and get back most of your
costs.
A typical bathroom remodel
costs around $9,135, and the
ROI is approximately 81percent, another low cost improvement that adds to home value.
Adding a second-story addition
onto your home is a major
undertaking that requires a lot of
time and effort, but the rewards
are profitable as well. The aver-
age cost of a second-story addition is $73,553, with an ROI of
83 percent.
As a rule, improvements that
increase the functional space of
a home hold value longer than
ones that just make a house look
better. They also are significantly cheaper than adding an addition. For example, converting an
attic into a bedroom usually
costs about $35,960 and returns
about 80% of its cost. A bathroom
addition
averages
$13,918, with ROI of 81 percent. The average family room
addition averages $30,960, with
an ROI of 75 percent. A deck
addition averages out at $8,022,
with an ROI of 51 percent.
It's commonly agreed that a
swimming pool has no resale
value. The main reason pools
repel potential buyers is that
they require expensive upkeep.
Fear of liability runs a close second in limiting value.
These figures show that
completing improvements to the
kitchen and bathrooms of a
house yield the greatest return
on investment. One thing to
keep in mind: Don't make overthe-top home improvements just
to keep up with your neighbors.
Be certain when choosing
home improvement projects that
you are doing what's best for the
home's value, as well as for you.
LINE CLASSIFIEDS Business $14.25 (15 words or less)
DO YOU QUALIFY FOR
SOCIAL SECURITY DISABILITY?
CRIMINAL DEFENSE-PERSONAL INJURY
L & K community since 1999
SATELLITE
Serving the
DEBBIE S. FELDMANN
859-654-6431
Attorney At Law
Falmouth Office 859-261-4466 Newport Office
THIS IS AN ADVERTISEMENT
Affordable Bankruptcy
Public Notice
DEBT RELIEF
ALL DEBTS ELIMINATED INTO ONE MONTHLY PAYMENT!
Car Loans
Taxes
Foreclosures
Lawsuits
Credit Cards Medical Bills Repossessions Garnishments
STOP FORECLOSURES • STOP LAWSUITS! • KEEP ALL PROPERTY!
STOP WAGE GARNISHMENTS! • STOP HARASSING PHONE CALLS!
FREE OFFICE & PHONE CONSULTATION PAYMENT PLANS AVAILABLE
EVENING & SAT. APPTS AVAILABLE/WALK INS WELCOME
MICHAEL E. PLUMMER
Attorney At Law
11 W. 6th St., Covington, KY 41011
859-581-5516 or Toll Free 1-877-790-2233
Conveniently located just across the street from Bankruptcy Court
or check us out on the web at www.plummerbankruptcy.com
A public hearing will be held by the City of Falmouth at Falmouth City Hall, June 14,
2011 at 6:30 p.m. for the purpose of obtaining written/oral comments regarding the proposed
budget as well as the proposed use of Municipal Road Aid and Local Government Economic
Assistance program funds for upcoming fiscal year.
Municipal
Local
Road Aid
Government
Program
Economic
Assistance
Cash Balance Carried Forward (estimate)
89900
2090
Anticipated Receipts (including interest)
24950
35000
Total Available for Appropriation
114850
37090
Public Inspection: The city’s proposed budget and proposed uses of Municipal Road Aid
and Local Government Economic Assistance program funds are available for public inspection at City Hall during normal business hours.
Interested persons and organizations in Falmouth are invited to the public hearing to submit written or oral comments on the uses of the Municipal Road Aid and Local Government
Economic Assistance funds.
Any person (especially senior citizens and handicapped persons) who cannot submit
written comments or attend the public meeting, but wish to submit comments should call City
Hall at 859-654-6937 so that the city can make arrangements to secure their comments.
COMMONWEALTH OF KENTUCKY
PENDLETON CIRCUIT COURT
CIVIL ACTION NO. 10-CI-00312
COMMONWEALTH OF KENTUCKY
PENDLETON CIRCUIT COURT
CIVIL ACTION NO. 10-CI-00193
Bank of America, N.A.
vs.
PLAINTIFF
CITIMORTGAGE, INC.
vs.
COMMISSIONER’S SALE
PLAINTIFF
COMMISSIONER’S SALE
JAY BEGLEY
UNKNOWN SPOUSE OF JAY BEGLEY
Richard L. Wright
Beneficial Kentucky Inc.
d/b/a Beneficial Mortgage Co. of Kentucky
DEFENDANTS
*
*
*
*
*
By virtue of a Judgment and Order of Sale of the Pendleton Circuit Court rendered May 20, 2011, in the above action, I shall proceed to offer
for sale at the Pendleton County Judicial Center at Falmouth, Kentucky, to the highest and best bidder at public auction on June 16, 2011 at the
hour of 10:00 a.m., the following described property:
Property Address: Route 1 Box 91, Falmouth, KY 41040
Lying and being in Pendleton County, Kentucky on the East side of Grimes Road, 0.32 miles North of Ky. Rt. 159 and more particularly described
as follows to wit:
Beginning at a found PK nail in the center of Grimes Road a corner of William Verax and John Peoples (D.B. 201, PG. 628): thence with the
center of said road, N 11 degrees 24’21” E-44.89 feet to a found PK Nail, thence N 04 degrees 56’ 26” E-101.72 feet to a found PK Nail; thence
N 03 degrees 20’ 48” E-29.87 feet to a found PK Nail a corner of Verax and Peoples (D.B. 261, PG 628); thence leaving said road with the line
of Verax and Peoples, S 82 degrees 49’ 18” E-112.18 feet to a 6” Walnut; thence S 04 degrees 29’ 12” E – 147.73 feet to a post, thence S 16
degrees 06’ 39” W-33.05feet to a post; thence N 82 degrees 20’ 57” W-134.26 feet to The Place of Beginning containing 0.5106 Acres more or
less exclusive of all right of ways and easements of record.
Being the same property conveyed to Richard L. Wright, Jr., a single person, from Roscoe Mayfield, a single person, on July 31, 2000 and recorded on August 11, 2000 in Deed Book D230, Pg 545 of the records of the Pendleton County Clerk’s Office.
This property is being sold to produce the sum of $60,326.59, together with interest at the rate of $12.26 per diem from October 27,
2010 until paid; plus late charges, advances for taxes and insurance, and Plaintiff's costs herein expended, including a reasonable attorney fee and
for any other fees expended for services performed in connection with the defendant's default and for the purposes of protecting Plaintiff's interest in the property and its rights under the mortgage instrument.
The property shall be sold upon the following terms and conditions:
1) The purchaser shall be required to pay ten percent (10%) of the purchase price on the date of the sale, to apply on the purchase price;
2) The balance of the purchase price shall be due and payable, in cash or certified funds, within sixty (60) days from the date of sale;
DEFENDANTS
*
*
*
*
*
By virtue of a Judgment and Order of Sale of the Pendleton Circuit Court rendered April 28, 2011, in the above action, I shall proceed to offer
for sale at the Pendleton County Judicial Center at Falmouth, Kentucky, to the highest and best bidder at public auction on June 16, 2011 at the
hour of 10:00 a.m., the following described property:
Property Address: 2222 Highway 27 North, Falmouth, KY 41040
Situated on the north side of U.S. Highway #27 and fronting thereon, beginning at an iron pin on the right of way line of U.S. Highway #27, corner to the property of Howard Stanfield; thence running in a northerly direction along the property line of Howard Stanfield to an iron pin, corner to the property of Howard Stanfield and J. M. Mason; thence running in an easterly direction along the property line of Howard Stanfield to
an iron pin, corner to the property J. M. Mason to a fence line, corner to the property line of J. M. Mason; thence running in a southerly direction along a fence line, corner to the property line of J.M. Mason; thence running in a southerly direction along a fence line, same being the property line of J. M. Mason, to an iron pin on the right of way of U.S. Highway #27, corner to the property of J. M. Mason; thence running in a westerly direction along the right of way line of U.S. Highway #27, to the place of beginning.
EXCEPTION: There is excepted from and out of the above described boundary a certain tract of land conveyed by Arnold L. Conradd (Conrad)
and Betty Conrad, to the Commonwealth of Kentucky, by deed dated 10th day of November, 1959 and of record in Deed Book 103, Page 96,
Pendleton County Court records. Reference is hereby made to said deed book and page for a more complete description of said and the same is
incorporated herein by reference as if copied in full.
Subject to any and all easements, restrictions, conditions, and legal highways of record and/or in existence.
Being the same property conveyed from Jay Begley and Michelle Begley, husband and wife, to Jay Begley, single, by virtue of a deed dated
07/28/2003 and recorded 09/04/2003 at Deed Book 256, Page 783 of the Pendleton County, Kentucky real estate records.
This property is being sold to produce the sum of $71,981.87, together with interest at the rate of 6.25000% per annum from October 22, 2010
until paid; plus additional fees, costs and expenses including advances in payment of ad valorem taxes, insurance premiums, assessments, winterization, and preservation of the Real Property.
The property shall be sold upon the following terms and conditions:
3) The purchaser shall be required to execute a bond, with good and sufficient surety thereon for the unpaid balance of the purchase price, said
bond to bear interest at the rate of twelve percent (12%) per annum from the date of sale, until paid;
1) The purchaser shall be required to pay ten percent (10%) of the purchase price on the date of the sale, to apply on the purchase price;
4) The purchaser shall have the privilege of paying all or any part of the purchase price or paying said bond before maturity by paying the balance of the principal, together with all accrued interest thereon;
3) The purchaser shall be required to execute a bond, with good and sufficient surety thereon for the unpaid balance of the purchase price, said
bond to bear interest at the rate of twelve percent (12%) per annum from the date of sale, until paid;
5) The purchaser shall be required to assume and pay any and all ad valorem taxes on the subject property for the current year, and all subsequent taxes;
4) The purchaser shall have the privilege of paying all or any part of the purchase price or paying said bond before maturity by paying the balance of the principal, together with all accrued interest thereon;
6) The purchaser shall be required to purchase fire and extended coverage insurance on said improvements from the date of sale until the purchase price is paid in full to the extent of the court appraised value of said improvements or the unpaid balance of the purchase price, whichever is less, with a loss clause payable to the Master Commissioner of the Pendleton Circuit Court or the Plaintiff herein.
5) The purchaser shall be required to assume and pay any and all ad valorem taxes on the subject property for the current year, and all subsequent taxes;
7) The subject property shall be sold free and clear of all liens and claims of any party to this action, except restrictions and easements thereon
appearing of record in the Pendleton County Clerk’s Office, if any;
8) Possession of the subject property shall be given to the purchaser upon confirmation of Commissioner’s sale, and the Defendants or any persons claiming through them shall have vacated the premises by that time; and
2) The balance of the purchase price shall be due and payable, in cash or certified funds, within sixty (60) days from the date of sale;
6) The subject property shall be sold free and clear of all liens and claims of any party to this action, except restrictions and easements thereon
appearing of record in the Pendleton County Clerk’s Office, if any;
7) Possession of the subject property shall be given to the purchaser upon confirmation of Commissioner’s sale, and the Defendants or any persons claiming through them shall have vacated the premises by that time; and
8) Said property shall be sold subject to:
9) Said property shall be sold subject to:
a) Assessments for public improvements levied against the subject property,
b) Existing zoning ordinances, statutes, laws or regulations;
c) Any facts which an accurate survey or inspection of the property may disclose;
d) Any right of redemption which may be claimed by the United States of America arising under 28 U.S.C. Sec. 2410. And
e) Any right of redemption that may exist in favor of the Defendant(s).
a) Assessments for public improvements levied against the subject property,
b) Existing zoning ordinances, statutes, laws or regulations;
c) Any facts which an accurate survey or inspection of the property may disclose.
Bidders will be prepared to comply with these terms.
Hon. Kristen J. Smith
LERNER, SAMPSON & ROTHFUSS
Attorneys for Plaintiff
P.O. Box 5480
Cincinnati, Ohio 45201-5480
(513) 241-3100
Bidders will be prepared to comply with these terms.
JUDY M. WRIGHT
204 Mill Street
P.O. Box 186
Butler, Kentucky 41006
(859) 654-2929
MASTER COMMISSIONER
Hon. Bryan W. Schaefer
NIELSON & SHERRY, PSC
Attorneys for Plaintiff
639 Washington Avenue
Newport, Kentucky 41071
(859) 655-8430
JUDY M. WRIGHT
204 Mill Street
P.O. Box 186
Butler, Kentucky 41006
(859) 654-2929
MASTER COMMISSIONER